Eastern Michigan Financial Corporation (EFIN)

EFIN Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	44.17	29.2	27.72	67.53	76.32	128.28
Investment Securities	230.01	175.88	202.3	227.46	221.33	53.88
Mortgage-Backed Securities	-	74.03	73.07	57.52	22.76	43.17
Total Investments	230.01	249.91	275.37	284.98	244.09	97.06
Gross Loans	208.29	220.05	212.38	183.26	192.35	223.31
Allowance for Loan Losses	-2.44	-2.8	-2.61	-1.71	-1.72	-1.84
Net Loans	205.85	217.26	209.77	181.55	190.63	221.47
Property, Plant & Equipment	-	6.06	7.7	7.38	7.59	7.24
Accrued Interest Receivable	-	2.43	2.78	2.41	1.91	1.29
Long-Term Deferred Tax Assets	-	2.54	3.2	3.87	0.47	-
Other Long-Term Assets	24.51	13.63	13.33	15.86	13.04	12.62
Total Assets	504.54	521.02	539.86	563.57	534.04	467.97
Interest Bearing Deposits	323.74	341.24	356.38	376.21	351.13	299.23
Institutional Deposits	-	2.52	3.29	3.57	4.05	2.19
Non-Interest Bearing Deposits	125.59	126.25	137.7	147.64	132.76	122.25
Total Deposits	449.33	470	497.38	527.41	487.94	423.67
Accrued Interest Payable	-	0.01	0.01	0.01	0.01	0.01
Other Long-Term Liabilities	2.3	2.42	2.06	3.49	1.52	1.39
Total Liabilities	451.64	472.42	499.45	530.91	489.47	425.07
Common Stock	6.3	6.22	6.12	6.15	6.19	6.08
Additional Paid-In Capital	-	2.97	2.7	2.6	2.47	2.3
Retained Earnings	47.2	45.57	41.2	37.73	36.97	33.43
Comprehensive Income & Other	-0.59	-6.16	-9.59	-13.81	-1.04	1.08
Shareholders' Equity	52.9	48.6	40.42	32.66	44.58	42.9
Total Liabilities & Equity	504.54	521.02	539.86	563.57	534.04	467.97
Net Cash (Debt)	44.17	29.7	29.7	72.97	91.13	153.22
Net Cash Growth	51.46%	-0.02%	-59.29%	-19.93%	-40.52%	113.33%
Net Cash Per Share	34.24	23.28	23.69	57.55	72.85	123.76
Filing Date Shares Outstanding	1.3	1.28	1.25	1.25	1.25	1.22
Total Common Shares Outstanding	1.3	1.28	1.25	1.25	1.25	1.22
Book Value Per Share	40.74	38.09	32.23	26.14	35.64	35.02
Tangible Book Value	52.9	48.6	40.42	32.66	44.58	42.9
Tangible Book Value Per Share	40.74	38.09	32.23	26.14	35.64	35.02

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.